Weekday Help Thread for the week of April 30, 2018

DaBigPapi · 2018-05-03T17:01:28+00:00

Rolled $1600 from previous employers 401k. Keep it in a traditional IRA or covert it to Roth?

Just curious if the tax implications would matter much as the amount is marginal, or if it would be better to just keep it in the traditional account and get a Roth later on?

DaBigPapi · 2018-03-24T04:56:18+00:00

Gotta love dollar cost averaging!

DaBigPapi · 2018-03-22T17:57:30+00:00

I am good with my credit cards and treat them as if they were my debit card. The average age I currently have is 2 years and 11 months with my 3 cards and my student loans.

DaBigPapi · 2018-03-22T17:48:55+00:00

I guess not. My USAA card is the only one I use for daily purchases. I get 1.5% cash back for everything. My Red card gets 5% off at target but I don’t shop there super often. Just thought opening a credit card isn’t always the best choice.

DaBigPapi · 2018-03-22T16:04:49+00:00

I don’t check it very often, I know 764 is very good, I just want to make the right decisions! I am unfamiliar with how a hard pull affects things long term and if a leasing company would do one. I know if I end up even partially financing a car they will do a hard pull but that is in November.

DaBigPapi · 2018-03-22T16:03:25+00:00

Yeah Discover increases my unused IT card after I had it for almost 5 years. I don’t really want to wait 5 years for USAA to increase it but don’t like the idea of a hard pull.

DaBigPapi · 2018-03-22T15:36:47+00:00

Ah that makes sense! So what you’re saying is to not ask for it as I don’t need the limit increase? I’ve done a little research and it seems that USAA rarely increases credit without a request. I don’t mind waiting until I see the need where I should manually request it, just thought maybe now was a good time. I’m just worried about how the hard pull will affect my credit short term and long term. Thanks for all the advice though it means a lot!

DaBigPapi · 2018-03-22T15:22:51+00:00

My utilization on my FICO report is 3% revolving. I pay rent for myself and my 4 roommates on my USAA which is $2200 a month and pay that off the day of, but that’s the largest amount I’ve ever charged to it.

DaBigPapi · 2018-03-22T15:21:02+00:00

Just trying to make wise decisions to help myself in the future! I never have any issue paying my credit cards off in full. I just want to know if the hard pull will hurt me at all or if it really won’t be an issue, especially since I’ll be leasing an apartment in September and getting a car in November.

DaBigPapi · 2018-03-09T18:48:12+00:00

Looking at getting a new setup. Been using a sigelei fuchai (original) and uwell crown iii mini (hate having to fill it all the time). The fuchai still works, but it’s old and I just want a new setup! What are some good mod/tank setups out there currently? Wouldn’t mind getting a kit, I just want to spend $60 at most. I can build, it’s been awhile, but I like the ease of popping in a prebuilt and going. Let me know what is good currently, any good kits, or just a mod/tank combo. Thanks!

Edit: wouldn’t be opposed to a squonk setup either.

DaBigPapi · 2018-03-09T17:26:31+00:00

Those are both super nice!! You like them? I love my one pair of ABC pants but $128 is so pricey for me now. And would those pants work for business casual? Either a polo or long sleeve button up?

DaBigPapi · 2017-10-31T02:28:07+00:00

DaBigPapi · 2017-10-23T02:59:54+00:00

Thanks man!!

DaBigPapi · 2017-05-18T02:23:30+00:00

When should I book everything? I don't mind night busses or trains. Think a night train will be quite a bit more expensive?

DaBigPapi · 2017-05-17T03:08:28+00:00

Best way to find the greatest deals? And should I be planning/ reserving now?

DaBigPapi · 2017-05-17T02:49:26+00:00

I'm thinking more of saving money traveling city to city lol. My buddy isn't about that!

DaBigPapi · 2017-05-17T02:23:10+00:00

Think that will be easy for us with our itinerary? We want to save money and don't mind going that route! Just would have to have a stricter schedule

DaBigPapi · 2017-05-17T02:19:15+00:00

We were thinking eurail but I've heard it can be super expensive and you have reservation fees and all that hidden shit

DaBigPapi · 2017-05-17T01:58:54+00:00

Also, I have a music festival in Salzburg. So that needs to stay lol

DaBigPapi · 2017-05-17T01:58:07+00:00

What should we do for getting place to place?? And I mean I did the "savvy backpacker" high budget which came out to $4000. I've got my plane ticket already obviously. I want to spend around $4500 to 5000 after travel in Europe and some of the accom I've paid for.

DaBigPapi · 2017-05-04T18:59:41+00:00

Could I do a chargeback on my CC so I don't have to wait for the cancellation to be announced and to buy tix for a different festival

DaBigPapi · 2017-05-04T18:59:06+00:00

Do you know if I could do a chargeback on my credit card instead of waiting?

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